Do you verify their income?

Just got done reading the entire thread, so what is the conclusion who are the reputable lenders with a closing track history that can be verified that lend 100% without charging an arm and a leg to good qualifiers with good credit and income?

Verifying last 2 years of rental history very important!

Any tool that does that isn't going to help you because you can't verify that the numbers you are plugging in are actually even in the ballpark if you are doing everything virtually.

So, why would you believe anything they say and not verify yourself?

As a student of history and electoral politics, my hypothesis was a flat no, and the research did verify at least most of my assumptions.However, I could have written a book about this topic, and I really don't think I can answer the question succinctly enough in 2,500 words.

If you verify possession or get the occupier out, you'll get a much higher return on value.

I have had this issue on occasion and after verifying it with the HVAC company - let them know that AC's are only built to reduce temperature by 20 or so degrees.

Trust but verify. 

Their generic landing page verifies the details of their property and notifies me when someone snaps the code.